Getting to grips with my debt!

in Debt Free Diaries
43 replies 2.2K views
124

Replies

  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    House move accomplished yesterday.


    Now I just have a mountain of boxes to unpack, cleaning to do etc, etc.......


    Also gotta grab the freezer from the car.


    £100 deposit back from the shared house I was in which was nice as I had forgotten about it.



    Also a half decent pay check from one of the social research organisations I freelance for.


    Now, I've gotta go shopping and avoid the temptaion to buy new pans, knives, glasses etc.



    The flat is fully furnished, all kitchen equipment etc. However I am tempted to upgrade certain items.


    I WILL NOT THOUGH! Everything is serviceable and will definitely do for now.


    I must always ask myself, Do I want it or do I need it?



    Needs can be bought if thought through thoroughly. Wants are not necessary right now in my life!


    I will smash this debt!


    Time to get busy, busy, busy......


    Ciao 4 now. :)
  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    A good evening last night and day today with my girlfriend. I had been saving my personal entertainment budget for 2 weeks so last night we could splash out. I mean not Michelin star fine dining splash out as has been my want on occasion, but a perfectly adequate Wetherspoons dinner last night and a few drinks. I've even got £10 left to roll over into next week. Now gonna save the entertainment budget until Valentines Day when we are going away for the night to the Lake District. Hotel booked utilising my Tesco Clubcard points so all good!


    A wee touch of food shopping today finished off the last of the weeks food budget, but I roll it Monday to Sunday so no issues with this.


    I also took the luxury of a car wash as after 2 weeks without one it was filthy. A small expense but I'm not fully unpacked and firing on all cylinders at my new flat yet, so a bucket and water was not happening today, especially as the weather is pretty grim!


    Today marks 2 weeks since I got serious about finally clearing this debt.


    So far I think, so good! I'm getting a buzz from being frugal and seeking bargains.


    Tomorrow I'm gonna hit Iceland for the first time in my life. I fancy 3 bags of various frozen fish fillets for £10! A bargain and healthy. Happy Days.


    Ciao. :)
  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    Can I be forgiven for just buying a slow cooker and food processor for my new flat?

    My justification for the slow cooker is that, a) I can be lazy from time to time and, b) cook cheap cuts of meat well.

    The food processor is justified because I like cooking and it just makes life so much simpler.

    I have only spent £42 in total!

    The answer to my opening question is YES I am forgiving myself on this occasion.

    No more spending now though. My flat has everything I require.

    I am gonna hold myself to this! :)
  • Tahlullah.HTahlullah.H Forumite
    772 Posts
    500 Posts Second Anniversary Name Dropper
    ✭✭✭
    I think you can be forgiven and congratulated on the spend on these 2 items. Absolute staples of any kitchen which allow you to cook nutritious meals easily. You are doing great!
    Regretting it yet? Give it time you will.

    Mortgage outstanding - 29/01/21 - £39,250. 26/02/21 - £37,850. 31/03/21 - £36,450. 30/04/21 - £39,050. 28/05/21 - £41,650. 30/06/21 - £48,200. 31/07/21 - £47,100. 31/08/21 - £48,400. 30/09/21 - £51,400. 29/10/21 - £50,100. 30/11/21 - £48,500. 29/12/21 - £47,150. 10/01/22 - £45,750

    Sales 2022 - £0

    I can see you
    Your brown skin shining in the sun
    You've got that hair slicked back
    Wayfarers on baby
    And I can tell you my love for you will still be strong
    After the boys of summer have gone
  • enthusiasticsaverenthusiasticsaver Forumite, Board Guide
    12.9K Posts
    Eighth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    Synchro wrote: »
    Can I be forgiven for just buying a slow cooker and food processor for my new flat?

    My justification for the slow cooker is that, a) I can be lazy from time to time and, b) cook cheap cuts of meat well.

    The food processor is justified because I like cooking and it just makes life so much simpler.

    I have only spent £42 in total!

    The answer to my opening question is YES I am forgiving myself on this occasion.

    No more spending now though. My flat has everything I require.

    I am gonna hold myself to this! :)

    Have you bought them using cash or have you used credit cards? If you used credit it will cost you more than £42. Whilst I understand your reasoning your credit cards are all charging you interest so it might have been better to buy one this month and one next month.
    Early retired in December 2017. Debt counsellor for a High Street bank in a previous life.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]

    Save £12k in 2022 challenge #36 0/£12,000
  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    I used my debit card Enthusiasticsaver.


    I am not overdrawn and I doubt now very much that I will go overdrawn before my next payday, so all good.


    Today I had a few other minor kitchen expenses. I noticed I was lacking a cheese grater, colander and kitchen scales so I grabbed the cheapest I could find on EBay. Again paid for essentially with cash as my bank account is in credit.


    All my credit cards are out of my reach anyway with my girlfriend 50 miles away so I cannot misbehave even if tempted, AND I haven't been tempted.


    My only minor irk is that I forgot to use TopCashback on EBay today. I know it would have only been pennies, but I would sooner have the pennies than somebody else.


    This evening I'm gonna look into the apps I hear people mention regarding till receipts. I saved my receipt today from Iceland so lets see if I can make something back on it eh?


    Btw, Iceland was a revelation!


    I bought 16 meals worth of frozen fish and meat for £20!


    I've never been in an Iceland before. I hope the quality is okay, BUT the slow cooker and good seasoning will solve any issues I am sure with the meat.


    Fish is fish is fish kinda, so not worried about that.


    Anyways, back to work tomorrow after 6 days off. I'm going back a day early. I gotta earn the pennies!


    Ciao good folks. :)
  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    Okay, I have just joined receipt hog.


    2 questions?


    1) Are there similar apps?


    2) Can I use the same receipts on multiple apps?


    Thanks in advance.....
  • SarahwithloveSarahwithlove Forumite
    1.7K Posts
    1,000 Posts Third Anniversary Name Dropper
    ✭✭✭
    Synchro wrote: »
    Okay, I have just joined receipt hog.


    2 questions?


    1) Are there similar apps?


    2) Can I use the same receipts on multiple apps?


    Thanks in advance.....

    Yes you can. I use shoppix and zipzero which is my fave. I have all three apps next to each other on my phone so I remember to do them all at the same time.
    *RBS credit card - £1930.50* - £0.00
    *Tesco Credit card - £3604.30* - £0.00
    *Finance - £581.91 - £0.00
    *Dad loan - £5300 - £3600
    Total debt *£3600* £11,416.71


    Emergency fund/Sinking Fund - £2500/£5000

    Mortgage Overpayment - £30.34/£1000
    Facing Reality - My Debt Free Diary
  • SynchroSynchro Forumite
    29 Posts
    10 Posts
    Thanks for this info Sarahwithlove. :)


    So today I left the house for work at 0730 and arrived home from work at 2215.


    Crazy long day! A rarity!


    However money earnt. Only £5.21 spent on food shopping and £4.60 on parking.


    V tired, so I'll leave it there today.


    Finally, remembered receipt hog today again. Not a lot to be made from it for sure, but I prefer the few pennies in my pocket than elsewhere. :)


    Ciao
  • What are these apps you talk of?!
    Jan 2020: Loan £3,576.17, Credit Cards £42,401.86, Store Card £1,833.61, Overdrafts £2,300.00. Total Debt: £50,111.64 / 1% = £501.12

    Jun 2020 Update: Loan £1,925.63, Credit Cards £37,541.74Overdrafts £1,540.00 Total Debt: £41,007.37 / 1% = £410.07

    Jan 2021 Update: Credit Cards £34,189.49, Overdrafts £900 Total Debt: £35,089.49 / 1% = £350.89
This discussion has been closed.
Latest MSE News and Guides

Covid pass scam robbed grandfather of £25k

He got his money back after MSE intervened

MSE News

20,000 FREE Ideal Home Show tickets

For London, Fri 11 Mar to Sun 27 Mar

MSE Deals